USDA VS FHA in Zephyrhills-North, Pasco County, FL

In 2025, the USDA loan limit for Zephyrhills-North, situated in the county of Pasco, FL, is set at $285,000. Meanwhile, the FHA loan limit for a single-family home is $356,362.

Use the Lendersa® USDA loan calculator to compare today’s prime USDA against FHA rates, determining the necessary income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA options, aiding you in selecting the ideal program for your financial needs in .

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Loan Limits and Down Payment Requirements for 2025 in Zephyrhills-North, Pasco, FL

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA Loan Options in Zephyrhills-North, FL

Lendersa's aim is to swiftly connect you with the most suitable USDA or FHA loan without complications. Start with one of three available paths to match with lenders and USDA loan options.

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Understanding USDA Loans in FL

Known also as a USDA rural development loan or USDA mortgage, a USDA home loan is a mortgage guaranteed by the government's Department of Agriculture, available only in rural areas. In contrast to FHA loans requiring at least a 3.5% down payment, USDA loans require none, making them more accessible for qualified applicants.

Enter your location to find out if it qualifies for USDA rural housing loan?



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  • 8100 Boone Blvd Suite 450, Vienna, VA, 22182
  • United 1 Mortgage Corp, our mission is to set a high standard in the mortgage industry.We are committed to quality customer service – about putting the people we serve first.Our goal is to carefully guide you through the home loan process so that you can confidently select the best mortgage for you & your family from the many mortgage options.
  • Trustworthy Mortgage
  • 1964 Gallows Road, Suite 350, Vienna, VA, 22182
  • Trustworthy Mortgage is a locally owned & operated both Mortgage lender & broker company serving Virginia, Maryland, District of Columbia, Texas, & Florida. Our cutting edge technology and commitment to superior customer service has set us apart from our competition.We are especially well known & have an excellent reputation in our licensed areas.
  • Buckingham Mortgage, LLC
  • 1593 Spring Hill Road, Suite 100, Vienna, VA, 22182
  • BFGUSA was created from the vision of its founders to provide exceptional mortgage banking services for its residential, commercial, and business clients. Our strong lender relationships allow us to tailor niche loan programs for hard-to-fund loans. Our clientele ranges from high-end boutiques to credit challenged consumers.
  • John Marshall Bank
  • 1943 Isaac Newton Square East, Suite 100, Reston, VA, 20190
  • JMB is a commercial-focused community bank serving businesses and consumers in Northern VA, Maryland, and DC. Our presence is found in the businesses that fuel the local economy. We’re in the background, championing nonprofits and helping them drive their mission forward. But what truly sets us apart is our team.
  • Guidance Residential
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  • Guidance Residential specializes in Shariah-compliant home financing in the U.S. Our unique Declining Balance Co-ownership Program was created under the guidance of 7 globally renowned Shariah scholars & 18 U.S. law firms to ensure it meets strict adherence to legal jurisprudence of Islamic faith & conforms to U.S. legal & regulatory requirements.
  • Mortgage X Home Loans
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  • Mortgage X Home Loans As the Mortgage Lending has evolved so have we. Mortgage regulations and guidelines are constantly changing. We are on top of the information wave. Great rates, low cost and customer satisfaction is standard business based on our model. We strive to provide more.Established in 2002.
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  • Diamond Bank is the result of a merger between two of Southwest Arkansas’s strongest community banks. In March, 2007, the banks that merged were Arkansas Diamond Bank of Glenwood , and Diamond State Bank of Murfreesboro, which was chartered in 1904. Diamond Bank continues to provide a stable source of financial leadership in the communities we serv
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  • 111 East Main Street, Lancaster, OH, 43130
  • Fairfield Federal Savings & Loan Association is your Fairfield County community bank specializing in Home Mortgage Loans. We've been serving the Lancaster community since 1895. Fairfield Federal is a Member of the FDIC and is an Equal Housing Lender. Stop in and see us today! We are banking that revolves around you
  • Crescent Mortgage Company
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  • Crescent Mortgage is a full-service residential mortgage firm licensed in Virginia and Maryland. Our primary objective is to provide potential homeowners with the best possible avenue to obtain home financing.We are approved representatives of a wide variety of both local and national lending institutions.